Lifetime Health Cover (LHC) loading  calculator

Your age
Your cover
Years of cover
Your loading

What's your date of birth?

DD
 
MM
 
YYYY
- -
Your age
Your cover
Years of cover
Your loading

Have you held private hospital cover continuously for the last 10 years or more?

No
Yes
Your age
Your cover
Years of cover
Your loading

Do you currently
hold private hospital cover?

No
Yes
Your age
Your cover
Years of cover
Your loading

Have you ever held
private hospital cover?

No
Yes
Your age
Your cover
Years of cover
Your loading

Have you held continuous private hospital
cover since to today?

No
Yes

Please note: The date shown here is your Lifetime Health Cover effective date – 1 July after you turn 31.

Your age
Your cover
Years of cover
Your loading

Did you have or take out private hospital
cover on ?

No
Yes

Please note: The date shown here is your Lifetime Health Cover effective date – 1 July after you turn 31.

Your age
Your cover
Years of cover
Your loading

What date did you first get
private hospital cover?

DD
 
MM
 
YYYY
- -

Please note: The date shown here is your Lifetime Health Cover effective date – 1 July after you turn 31.

Your age
Your cover
Years of cover
Your loading

From how many full years
have you held hospital cover?

Please note: The date shown here is the start Lifetime Health Cover date – 1 July after you turn 31
Full years are to be calculated from the date your private hospital policy started.

Your age
Your cover
Years of cover
Your loading

From how many
full years have you held hospital cover?

Please note: The date shown here is the start Lifetime Health Cover date – 1 July after you turn 31
Full years are to be calculated from the date your private hospital policy started.

Your age
Your cover
Years of cover
Your loading

Good news! Lifetime Health Cover doesn't apply to you right now.

If you don't purchase hospital cover by you will have to pay Lifetime Health Cover (LHC) loading.

If you take out hospital cover by 1 July after you turn 31, you can lock in the lowest base rate premium for as long as you continue to hold some form of hospital cover, even if you switch policies. The base rate is the premium normally quoted by health funds without adding any loading.

Avoid getting hit with LHC loading by getting hospital cover today

Your age
Your cover
Years of cover
Your loading

Your Lifetime Health Cover loading is

0%

Are you getting the best deal on your health insurance?
Compare your policy against our range of leading health funds

Switching funds is easy

Did you know that if you switch health funds, there are no cancellation fees or additional waiting periods on the same or lower level of cover? Plus, any switch is managed for you by the health funds. Simples!

Your age
Your cover
Years of cover
Your loading

Your Lifetime Health Cover loading is

Are you getting the best deal on your health insurance?
Compare your policy against our range of leading health funds

Please note: The LHC loading we have calculated today is an estimate only. Your health fund will advise you of the necessary information required to accurately establish your LHC loading position.

Exemptions: There are certain exemptions from LHC loading, as well as special circumstances. For a full list of these please visit our Lifetime Health Cover loading page.

How LHC loading is applied: Depending on your policy, your private health insurance premium can be broken into Hospital, Extras and Ambulance cover. Any LHC loading you pay will only be calculated against the Hospital part of your premium.
The LHC loading for a couple or family is calculated by using the average of the LHC loadings of the adults covered by the policy.

Your age
Your cover
Years of cover
Your loading

Your Lifetime Health Cover loading is

The date your Lifetime Health Cover (LHC) is effective from is . This is 1 July after you turn 31.

If you've missed the deadline or have allowed your policy to lapse greater than 3 years (1094 days), you'll be required to pay a 2% LHC loading for every year over the age of 30 that you were without hospital cover, up to a maximum of 70%.

Please note: The LHC loading we have calculated today is an estimate only. Your health fund will advise you of the necessary information required to accurately establish your LHC loading position.

How LHC loading is applied: Depending on your policy, your private health insurance premium can be broken into Hospital, Extras and Ambulance cover. Any LHC loading you pay will only be calculated against the Hospital part of your premium.
The LHC loading for a couple or family is calculated by using the average of the LHC loadings of the adults covered by the policy.

Exemptions: There are certain exemptions from LHC loading, as well as special circumstances. For a full list of these please visit our Lifetime Health Cover loading page.

Your age
Your cover
Years of cover
Your loading

Your Lifetime Health Cover loading is

The date your Lifetime Health Cover (LHC) is effective from is . This is 1 July after you turn 31.

If you've missed the deadline or have allowed your policy to lapse greater than 3 years (1094 days), you'll be required to pay a 2% LHC loading for every year over the age of 30 that you were without hospital cover, up to a maximum of 70%.

Please note: The LHC loading we have calculated today is an estimate only. Your health fund will advise you of the necessary information required to accurately establish your LHC loading position.

Exemptions: There are certain exemptions from LHC loading, as well as special circumstances. For a full list of these please visit our Lifetime Health Cover loading page.

How LHC loading is applied: Depending on your policy, your private health insurance premium can be broken into Hospital, Extras and Ambulance cover. Any LHC loading you pay will only be calculated against the Hospital part of your premium.
The LHC loading for a couple or family is calculated by using the average of the LHC loadings of the adults covered by the policy.

Your age
Your cover
Years of cover
Your loading

Your Lifetime Health Cover loading is

The date your Lifetime Health Cover (LHC) is effective from is . This is 1 July after you turn 31.

If you've missed the deadline or have allowed your policy to lapse greater than 3 years (1094 days), you'll be required to pay a 2% LHC loading for every year over the age of 30 that you were without hospital cover, up to a maximum of 70%.

Stop your LHC loading from increasing even more by getting hospital cover

Please note: The LHC loading we have calculated today is an estimate only. Your health fund will advise you of the necessary information required to accurately establish your LHC loading position.

Exemptions: There are certain exemptions from LHC loading, as well as special circumstances. For a full list of these please visit our Lifetime Health Cover loading page.

How LHC loading is applied: Depending on your policy, your private health insurance premium can be broken into Hospital, Extras and Ambulance cover. Any LHC loading you pay will only be calculated against the Hospital part of your premium.
The LHC loading for a couple or family is calculated by using the average of the LHC loadings of the adults covered by the policy.

Your age
Your cover
Years of cover
Your loading

Good news! You're exempt from
Lifetime Health Cover.

Compare health insurance from our range of leading health funds

Your age
Your cover
Years of cover
Your loading

We require a little more information to determine how you're affected by
Lifetime Health Cover.

Call us on 1800 441 791 for an accurate calculation.

Need some advice about LHC loading?

Call 1800 304 709  or Compare health insurance

What does this calculator do?

The above calculator lets you know whether or not you need to pay Lifetime Health Cover (LHC) loading for your private health insurance.

What is LHC loading?

LHC only applies to those who didn’t have a private health insurance policy after July 1st following their 31st birthday. For every year following that date, you’ll pay 2% more on your health insurance premiums if you choose to take out cover. At the age of 40, for example, you’ll pay 20% more on your premiums.

This loading acts as an incentive for older Australians to take out private health insurance. This, in turn, takes pressure off our public health system.

By using the LHC calculator above, you can find out the loading percentage you’ll owe each month. Keep in mind that if you pay LHC for 10 continuous years, it’ll be removed.

Are there any exceptions?

You do not need to pay the loading in certain circumstances, but they only apply to a small number of Australians.

For example, if you’re overseas at the time of the LHC deadline, you have one year to take out hospital cover when you finally return home. After your one year grace period ends, you’ll have to pay LHC if you decide to get covered.

Additionally, the following groups of people will not need to pay:

  • New migrants;
  • Veterans who hold a Department of Veterans Affairs Gold Card;
  • Current members of our Defence Forces; and
  • Anyone born before 1934.

What should I do if I need to pay the loading?

Our advice? Throw loyalty to your health insurer ‘out the window’ and shop around for great-value policies for your situation. Seeking out lower costs is one of the most proactive things you can do to offset the LHC.

We compare many of Australia’s insurers here on our site, so it’s easy for you to get a view of what’s available.

And if you don’t have cover, get some before another year passes and it gets more expensive.